Daylight saving time in the United States is the practice of setting the clock forward by one hour during the warmer part of the year, so that evenings have more daylight and mornings have less. Most areas of the United States currently observe daylight saving time (DST), the exceptions being Arizona (except for the Navajo Nation, which does observe daylight saving time), Hawaii, and the overseas territories of Puerto Rico, American Samoa, Guam, Northern Mariana Islands, and the United States Virgin Islands.
Daylight saving time starts on the second Sunday of March and ends on the first Sunday of November, with all time changes taking place at 2:00 A.M. local time.
Daylight saving time (DST)—also summer time in British English— is the practice of advancing clocks during the lighter months so that evenings have more apparent daylight and mornings have less. Typically clocks are adjusted forward one hour near the start of spring and are adjusted backward in autumn.
The modern idea of daylight saving was first proposed in 1895 by George Vernon Hudson and it was first implemented by Germany and Austria-Hungary starting on 30 April 1916. Many countries have used it at various times since then.
The choice of whether to use daylight saving time (DST) in Australia is a matter for the individual states and territories. However during World War I and World War II all states and territories observed the practice of daylight saving. In 1968 Tasmania became the first state since the war to practice daylight saving. In 1971, New South Wales, Victoria, Queensland, South Australia, and the Australian Capital Territory followed Tasmania by observing daylight saving. Western Australia and the Northern Territory did not. Queensland abandoned daylight saving time in 1972. Queensland and Western Australia have observed daylight saving over the past 40 years from time to time on trial bases.
New South Wales, the Australian Capital Territory, Victoria, Tasmania and South Australia observe DST every year. This has resulted in three time zones becoming five during the daylight-saving period. South Australia time becomes UTC+10:30, called Central Daylight Time (CDT), possibly with "Australia" prefixed (ACDT). The time in the southeastern states becomes UTC+11, using "Eastern" in the time zone name, with the abbreviations being EDT or AEDT.
A savings and loan association (or S&L), also known as a thrift, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" or "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks]citation needed[), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded, in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007.
Many nations' post offices operated or continue to operate postal savings systems to provide depositors who do not have access to banks a safe, convenient method to save money and to promote saving among the poor.
Science of drugs including their origin, composition, pharmacokinetics,
pharmacodynamics, therapeutic use, and toxicology.
Pharmacology (from Greek φάρμακον, pharmakon, "poison" in classic Greek; "drug" in modern Greek; and -λογία, -logia "study of", "knowledge of") is the branch of medicine and biology concerned with the study of drug action, where a drug can be broadly defined as any man-made, natural, or endogenous (within the body) molecule which exerts a biochemical and/or physiological effect on the cell, tissue, organ, or organism. More specifically, it is the study of the interactions that occur between a living organism and chemicals that affect normal or abnormal biochemical function. If substances have medicinal properties, they are considered pharmaceuticals.